When and how should I claim on pet insurance?
You should make a claim as soon as your pet has an accident or is diagnosed with an illness, or within 90 days of paying the vet fees for a condition your pet is suffering from. This is because some policies will pay your vet directly for the cost of treatment, so you’re not left out of pocket.
There should be a direct number for making a claim in your policy documents – you’ll just need to quote your policy number. The details your provider is most likely to ask for are:
- The name of any medical condition your pet has been diagnosed with
- The expected costs of your pet insurance claim. If the claim involves treatment for an accident or illness, your vet should be able to tell you this
- Any invoices or other evidence to support the cost of the claim.
You’ll be sent a claim form (or you can find one on the provider’s website), which you’ll need to complete in full. If you’re not sure about what information to give, ask your insurance provider to clarify.
Check whether your insurance provider will pay the vet directly, or if you’ll need to settle the bill and then claim back the cost. If your pet had emergency treatment, you might have already paid the vet so you’ll be claiming for reimbursement on your pet insurance.
Make sure you keep your provider informed at all stages of the treatment process. They’ll need to know if your vet refers your pet for additional treatment, for example.
Check out our handy guide, for more information on how to make a pet insurance claim.